Managed Advice Splash

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Let Managed Advice Work For You

Highly customized investing strategies, delivered with a human touch.

Personalized

Customized investment strategy to help you meet your goals

Proactive

Quarterly investment review and rebalancing

Human Touch

Speak with an experienced investment advisor to help refine your strategy

Affordable

Up to 2/3 less than industry average

AdvisorBenchmarking RIA Trend Report, 2014

How it works

Tell us about yourself

Sign in to your account to start taking advantage of all the benefits of Managed Advice. You’ll fill out a profile so we can start to build a personalized retirement strategy that will meet your individual needs.

Let Managed Advice work for you

We create a personalized strategy for you — automatically investing your account and guiding you towards your goals — so you can worry less about tomorrow. And if you ever want to change anything, one-on-one advice is always a phone call away.

Competitive Cost

Managed Advice has a monthly fee based on your account balance — [$2.08/$2.92/$3.75] for every $10,000 in your account, with absolutely no impact on your paycheck. And since you're getting professional money management through your employer, this fee is much less than what you would pay if you sought advice on your own.*

Agreement

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Agreement

Managed Advice AGREEMENT

Please read the following agreement carefully before using or enrolling in the service described below. If you affirmatively subscribe to the Managed Advice service by acknowledging these terms and conditions and checking the box below, this Agreement becomes effective upon the date of such acknowledgment and you are thereby enrolled in the Service. Alternatively, you may have already been automatically enrolled in the service based on instructions from your retirement plan sponsor. If you have been automatically enrolled in the Managed Advice service, this Agreement becomes effective upon the date you are automatically enrolled. You will signal your agreement to be bound by this Agreement by your continued participation in the Managed Advice service after the earlier of (i) any applicable deadline to opt out of participation in the Service, or (ii) the first date that transactions are initiated for your account under the Managed Advice service.

Please read the following agreement carefully before using or enrolling in the service described below. If you affirmatively subscribe to the Managed Advice service by acknowledging these terms and conditions and checking the box below, this Agreement becomes effective upon the date of such acknowledgment and you are thereby enrolled in the Service. Alternatively, you may have already been automatically enrolled in the service based on instructions from your retirement plan sponsor. If you have been automatically enrolled in the Managed Advice service, this Agreement becomes effective upon the date you are automatically enrolled. You will signal your agreement to be bound by this Agreement by your continued participation in the Managed Advice service after the earlier of (i) any applicable deadline to opt out of participation in the Service, or (ii) the first date that transactions are initiated for your account under the Managed Advice service.

Please read the following agreement carefully before using or enrolling in the service described below. If you affirmatively subscribe to the Managed Advice service by acknowledging these terms and conditions and checking the box below, this Agreement becomes effective upon the date of such acknowledgment and you are thereby enrolled in the Service. Alternatively, you may have already been automatically enrolled in the service based on instructions from your retirement plan sponsor. If you have been automatically enrolled in the Managed Advice service, this Agreement becomes effective upon the date you are automatically enrolled. You will signal your agreement to be bound by this Agreement by your continued participation in the Managed Advice service after the earlier of (i) any applicable deadline to opt out of participation in the Service, or (ii) the first date that transactions are initiated for your account under the Managed Advice service.

Acceptance of Terms and Conditions of Agreement
Clicking Subscribe means you have read and agree to abide by all terms of the agreement that apply to you and you acknowledge you have received and reviewed ABC Company Retirement Advisors' Form ADV. Please note that upon enrollment in the Managed Advice service, any currently initiated transfers or transactions will be cancelled, unless the market has closed for the day.

New Lets Get Started

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Advice ®

Let's Get Started

  1. Step 1 of 5, current step
  2. 2
  3. 3
  4. 4
  5. 5

Tell us a little about yourself or your spouse/partner to get started building your profile.

Your Information

01/05/1961


New Whats Your Goal

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Advice ®

What is your goal?

  1. Step 1 of 5 complete
  2. Step 2 of 5, current step
  3. 3
  4. 4
  5. 5

Based on this goal, we've calculated your estimated retirement income below, which includes Social Security, all ABC Company-administered plan accounts, and any other information you've entered so far.

Estimated Retirement Income

Toggle the buttons to view income goals on an annual or monthly basis
Income: $22K out of $66K Gap: $44K
Income Goal: $66K
  • We've estimated your retirement income to total:
    $21,900
  • Based on your goal, your current household income will be:
    $65,800
  • This leaves you with a gap of:
    -$43,900

Don't worry! Let's start closing the gap by creating a personalized plan that includes all of your assets.

New Summary

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Advice ®

How you will be invested

  1. Step 1 of 5 complete
  2. Step 2 of 5 complete
  3. Step 3 of 5 complete
  4. Step 4 of 5 complete
  5. Step 5 of 5, current step

Based on the information you provided, here is your proposed investment mix for your current balance and future contributions.

expand details

Investments Current Mix New Mix
BONDS 30% 70%
Short Bonds / Stable / MMkt 9% 21%
Intermediate / Long-Term Bonds 18% 42%
Aggressive Bonds 3% 7%
Current Mix New Mix
STOCKS 70% 30%
Large-Cap Stocks 53% 21%
Small / Mid-Cap Stocks 6% 4%
International Stocks 11% 5%
Current Mix New Mix
OTHER 0% 0%
Multi-Asset / Other 0% 0%
+ More information

Balances in a Self-Directed Brokerage Account are not available for investment in the Managed Account service. Should you choose to maintain these assets in SDBA, you will be restricted from making any additional transfers into SDBA. The assets in your SDBA account will remain, and will not be included in the investment strategy provided through this service. If you choose to liquidate your SDBA account, please contact a representative.

If you wish to impose restrictions on the investment of your account please contact a representative. Please note, if you have imposed restrictions the investment mix above my not precislely match how you will be allocated.

New Summary Multiple

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Advice ®

How you will be invested

  1. Step 1 of 5 complete
  2. Step 2 of 5 complete
  3. Step 3 of 5 complete
  4. Step 4 of 5 complete
  5. Step 5 of 5, current step

Based on the information you provided, here is your proposed investment mix for your current balance and future contributions.

expand details

Investments Current Mix New Mix
BONDS 30% 70%
Short Bonds / Stable / MMkt 9% 21%
Intermediate / Long-Term Bonds 18% 42%
Aggressive Bonds 3% 7%
Current Mix New Mix
STOCKS 70% 30%
Large-Cap Stocks 53% 21%
Small / Mid-Cap Stocks 6% 4%
International Stocks 11% 5%
Current Mix New Mix
OTHER 0% 0%
Multi-Asset / Other 0% 0%
+ More information

Balances in a Self-Directed Brokerage Account are not available for investment in the Managed Account service. Should you choose to maintain these assets in SDBA, you will be restricted from making any additional transfers into SDBA. The assets in your SDBA account will remain, and will not be included in the investment strategy provided through this service. If you choose to liquidate your SDBA account, please contact a representative.

If you wish to impose restrictions on the investment of your account please contact a representative. Please note, if you have imposed restrictions the investment mix above my not precislely match how you will be allocated.

New Agreement

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Advice ®

Agreement

Are you ready for a secure retirement?

These services from Managed Advice will keep you On Target to and through retirement!

  • Automatic portfolio rebalancing.
  • Personalized savings rate advice.
  • Retirement income planning.
  • One-on-one retirement counseling.

Managed Advice AGREEMENT

Please read the following agreement carefully before using or enrolling in the service described below. If you affirmatively subscribe to the Managed Advice service by acknowledging these terms and conditions and checking the box below, this Agreement becomes effective upon the date of such acknowledgment and you are thereby enrolled in the Service. Alternatively, you may have already been automatically enrolled in the service based on instructions from your retirement plan sponsor. If you have been automatically enrolled in the Managed Advice service, this Agreement becomes effective upon the date you are automatically enrolled. You will signal your agreement to be bound by this Agreement by your continued participation in the Managed Advice service after the earlier of (i) any applicable deadline to opt out of participation in the Service, or (ii) the first date that transactions are initiated for your account under the Managed Advice service.

Please read the following agreement carefully before using or enrolling in the service described below. If you affirmatively subscribe to the Managed Advice service by acknowledging these terms and conditions and checking the box below, this Agreement becomes effective upon the date of such acknowledgment and you are thereby enrolled in the Service. Alternatively, you may have already been automatically enrolled in the service based on instructions from your retirement plan sponsor. If you have been automatically enrolled in the Managed Advice service, this Agreement becomes effective upon the date you are automatically enrolled. You will signal your agreement to be bound by this Agreement by your continued participation in the Managed Advice service after the earlier of (i) any applicable deadline to opt out of participation in the Service, or (ii) the first date that transactions are initiated for your account under the Managed Advice service.

Please read the following agreement carefully before using or enrolling in the service described below. If you affirmatively subscribe to the Managed Advice service by acknowledging these terms and conditions and checking the box below, this Agreement becomes effective upon the date of such acknowledgment and you are thereby enrolled in the Service. Alternatively, you may have already been automatically enrolled in the service based on instructions from your retirement plan sponsor. If you have been automatically enrolled in the Managed Advice service, this Agreement becomes effective upon the date you are automatically enrolled. You will signal your agreement to be bound by this Agreement by your continued participation in the Managed Advice service after the earlier of (i) any applicable deadline to opt out of participation in the Service, or (ii) the first date that transactions are initiated for your account under the Managed Advice service.

Acceptance of Terms and Conditions of Agreement
Clicking Subscribe means you have read and agree to abide by all terms of the agreement that apply to you and you acknowledge you have received and reviewed ABC Company Retirement Advisors' Form ADV. Please note that upon enrollment in the Managed Advice service, any currently initiated transfers or transactions will be cancelled, unless the market has closed for the day.

New Confirmation

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Complete!

As a Managed Advice® subscriber, your retirement plan just got a major upgrade.

View dashboard

What happens next?

Managed Advice® starts working for you today.

As a Managed Advice® subscriber, your retirement plan just got a major upgrade. Congratulations.

Our professional retirement advisors are in your corner.

You'll benefit from their expertise through one-on-one retirement counseling.

Environmentally friendly account updates.

We'll keep you posted with regular account updates.

Just make sure we have your preferred email address.

All access, all the time.

Smartphone, tablet, laptop, landline, in person.

Access your account or get assistance how and when you want.

View dashboard

Sub Dashboard Surplus

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Your Managed Advice® Retirement Plan

How are you doing?

How are you invested?

Managed Advice® is monitoring and updating your investment mix.

Bonds 60%
Stocks 30%
Other 10%

There are fees associated with receiving advice through the Managed Account service offered by ABC Organization Retirement Advisors. You will have an opportunity to learn more about the service or make other investment choices on the following page. For more information, please see:

Sub Dashboard No Ontrack

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Your Managed Advice® Retirement Plan

How are you doing?

How are you invested?

Managed Advice® is monitoring and updating your investment mix.

Bonds 60%
Stocks 30%
Other 10%

There are fees associated with receiving advice through the Managed Account service offered by ABC Organization Retirement Advisors. You will have an opportunity to learn more about the service or make other investment choices on the following page. For more information, please see:

Sub Dashboard

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Your Managed Advice® Retirement Plan

Your forecast is cloudy. See recommendations below on how you can do better.

How are you doing?

Estimated Retirement Income

Toggle the buttons to view income goals on an annual or monthly basis
Income: $50K Gap: $16K
Income Goal: $66K

Your Retirement Forecast

Partly Sunny outlook
Partly Sunny

Your current strategy is likely to produce retirement income that meets 65% - 79% of your goal.

How are you invested?

Managed Advice® is monitoring and updating your investment mix.

Bonds 60%
Stocks 30%
Other 10%

How can you do better?

To improve Your Retirement Outlook®, we may recommend a few adjustments to your savings strategy. Review these suggested changes, if any, and click Use This Plan to update your strategy. Or, you can modify these suggestions by clicking Adjust This Plan.

  • Increase your Contributions by 8%.
  • Increase your Retirement Age to 69 and retire in 2035
  • We will update your Investment Mix to 70% stock30% bonds

Possible Retirement Income

Toggle the buttons to view income goals on an annual or monthly basis
Income: $63K out of $66K Gap: $3K
Income Goal: $66K

Your Retirement Forecast

Partly Sunny outlook
Partly Sunny

Your current strategy is likely to produce retirement income that meets 65% - 79% of your goal.

Other things to consider

There are fees associated with receiving advice through the Managed Account service offered by ABC Organization Retirement Advisors. You will have an opportunity to learn more about the service or make other investment choices on the following page. For more information, please see:

Sub How You Can Do Better

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Account

How you can do better

The sections below show you three ways to improve Your Retirement Outlook®. Use the sliding scales to see what happens when you make changes in any or all of these sections. If you like what you see when you adjust these settings, click Use This Plan to have the new settings take effect.

1. Choose to save more
New Rate
plus 2% annually
2. Adjust your goals
New Goal
3. How you will be invested

Based on the information we know about and your goals we will automatically invest your current balance and future contributions on a quarterly basis.

Bonds 60%
Stocks 40%
Other 0%

This is how your decisions will affect your retirement income

Possible Retirement Income

Toggle the buttons to view income goals on an annual or monthly basis
Income: $63K out of $66K Gap: $3K
Income Goal: $66K

Possible Retirement Forecast

Sunny outlook
This recommended strategy is likely to produce retirement income that meets at least 95% of your goal.

Sub How You Are Invested

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Advice

How you are invested

Managed Advice® is monitoring and updating your investment mix.

Status: Subscribed (unsubscribe)

Investment Mix for Your Current Balance and Future Contributions

expand details

Investments Current Mix New Mix
BONDS 30% 70%
Short Bonds / Stable / MMkt 9% 21%
Intermediate / Long-Term Bonds 18% 42%
Aggressive Bonds 3% 7%
Current Mix New Mix
STOCKS 70% 30%
Large-Cap Stocks 53% 21%
Small / Mid-Cap Stocks 6% 4%
International Stocks 11% 5%
Current Mix New Mix
OTHER 0% 0%
Multi-Asset / Other 0% 0%
+ More information

Balances in a Self-Directed Brokerage Account are not available for investment in the Managed Advice service. Should you choose to maintain these assets in SDBA, you will be restricted from making any additional transfers into SDBA. The assets in your SDBA account will remain, and will not be included in the investment strategy provided through this service. If you choose to liquidate your SDBA account, please contact a representative.

If you wish to impose restrictions on the investment of your account please contact a representative. Please note, if you have imposed restrictions the investment mix above my not precislely match how you will be allocated.

Sub Income Planning

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Advice®

Income Planning

With Managed Account, not only do our retirement advisors help you create a sound savings strategy while you're still working, but they also help you create a plan for turning your savings into income you can use to enjoy life in retirement.

Savings growth during your working years.

Ideally, you were able to start saving early in life. The earlier you start, the more time your money has to grow and benefit from the power of compounding interest. This chart illustrates how your invested savings grows with compounded interest compared to regular contributions alone.

Sources for your retirement income.

Re-creating your salary in retirement can be a bit of a puzzle. But our retirement advisors can help you see how all of the pieces can fit together.

Spending your money in retirement.

It took decades to build your nest egg; now how do you wisely continue to save for your years of retirement? Our retirement advisors can show you how to smartly withdraw from your various savings accounts in order to help your money last as long as possible.

To understand your annual retirement income goal you need to understand your budget in retirement. We have created a retirement budget below which you can customize.

Budget Items (click to edit)

Name Percentage Amount
Housing 29.6% $20,000.00
Necessities 7.4% $5,000.00
Utilities 7.4% $3,000.00
Health / Insurance 7.4% $15,600.00
Leisure / Entertainment 7.4% $6,000.00
Transportation 7.4% $6,000.00
Family Care 7.4% $6,000.00
Debt 7.4% $2,400.00
Miscellaneous 7.4% $0.00
Total Retirement Budget $0.00
Annual Income Goal $39,600.01

Do you know if your income goal is right for you?

  • Your income goal is higher than your retirement expenses. You can either plan for excess assets in the list above, or you can lower your goal to match your expenses. You can change your goal in Personal Information/Goals.

Maximizing Social Security

Social Security can play an important role for many in retirement. There are different strategies for how and when to elect your benefits.

Our retirement advisors can help you maximize your Social Security benefit and discuss the role it can play in your retirement income strategy.

Sub Retirement Profile

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Advice®

Retirement Profile

Your Information

43


These assets and accounts will be considered when determining your target and gap.

Name Balance
Transamerica 401 (k) Retirement Account $2,000.00 Access this plan
Emergency Savings $15,000.00 Access this plan Access this plan
Empower Retirement Plan $4,000.00 Access this plan Access this plan
Total Balance: $21,000.00

Add any other expected income sources during retirement. We have already added Social Security and your pension.

Name Frequency Amount
Your Social Security Estimate Annual $2,000.00 Access this plan
Transamerica Companies Pension Plan Monthly $15,000.00 Access this plan
IBM Pension Plan Monthly $4,000.00 Access this plan Access this plan

Add any expected withdrawals during retirement.

Name Frequency Amount
Daughters Wedding One-Time $12,000.00 Access this plan Access this plan
Daughters College Annual $15,000.00 Access this plan Access this plan

Sub Summary

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Managed Account

SUMMARY

Please review your new elections and click submit below.

Savings Rate

Comparison of old versus new savings rate.
Pre tax Current New
Rate
Auto-increase 2% annually
4% 6%
Catch-up 0% 2%
Post tax Current New
Rate 2% 2%
Catch-up 1% 1%
Total Rate
8%
Total Auto-increase
2%
Total Catch-up
3%

Retirement Goals

Comparison of nex versus old retirement goals for age and income.
Type Current New
Desired Retirement Age Age 65 in 2031 Age 68 in 2035
Annual Income Goal 100% 85%

Investment Mix for Your Current Balance and Future Contribution

expand details

Investments Current Mix New Mix
BONDS 30% 70%
Short Bonds / Stable / MMkt 9% 21%
Intermediate / Long-Term Bonds 18% 42%
Aggressive Bonds 3% 7%
Current Mix New Mix
STOCKS 70% 30%
Large-Cap Stocks 53% 21%
Small / Mid-Cap Stocks 6% 4%
International Stocks 11% 5%
Current Mix New Mix
OTHER 0% 0%
Multi-Asset / Other 0% 0%
Are you maintaining the following assets?
Maintain your company stock assets? Yes
Maintain your walled off fund assets? Yes

Managed Advice Splash Non Defaulted_old

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Invest with Managed Advice®

Let Managed Advice Work For You

Highly customized investing strategies, delivered with a human touch.

Personalized

Customized investment strategy to help you meet your goals

Proactive

Quarterly investment review and rebalancing

Human Touch

Speak with an experienced investment advisor to help refine your strategy

Affordable

Up to 2/3 less than industry average

AdvisorBenchmarking RIA Trend Report, 2014

How it works

Tell us about yourself

Sign in to your account to start taking advantage of all the benefits of Managed Advice. You’ll fill out a profile so we can start to build a personalized retirement strategy that will meet your individual needs.

Let Managed Advice work for you

We create a personalized strategy for you — automatically investing your account and guiding you towards your goals — so you can worry less about tomorrow. And if you ever want to change anything, one-on-one advice is always a phone call away.

Competitive Cost

Managed Advice has a monthly fee based on your account balance — [$2.08/$2.92/$3.75] for every $10,000 in your account, with absolutely no impact on your paycheck. And since you're getting professional money management through your employer, this fee is much less than what you would pay if you sought advice on your own.*

Managed Advice Confirmation New Sub_old

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Find Out More_old

Welcome Luke Starkiller | Last sign-in: April 11, 2016 | 7:58 PM CST

Invest in Managed Advice®

Managed Advice® can help you prepare for retirement with confidence.

From movie reviews to car-buying guides to selecting a smartphone, everyone is hungry for advice. Retirement planning is no different. We believe everyone deserves access to professional investment advice, so we created a personalized retirement readiness solution that's effective, affordable, and easy to use. We call it Managed Advice®.

Our team of retirement experts can help you create a personalized strategy by taking a holistic approach to retirement planning.

Your personalized strategy will include:

  • Setting a “retirement income goal.” Think of your retirement income as your replacement salary. You might not be collecting a regular paycheck from work, so you'll be "paying yourself" with your savings. How much should your annual retirement income be? Our advisors will help you figure it out.
  • Deciding how much to save to reach your goal. Once you know your retirement income goal, our advisors will help you calculate how much you should be saving on a regular basis to help you reach that goal.
  • Evaluating how your assets and savings – inside and outside the plan – fit into the big picture. Our advisors will collaborate with you to discuss additional accounts or assets other than your ABC Company retirement plan. They'll use that information to build a customized investment strategy.
  • Putting your plan into motion. Our advisors will discuss how you can turn your savings into retirement income when you are ready to stop working full-time. They'll help you see how Social Security fits into the plan, and how to ensure your savings will last you through retirement.

After helping you create a personalized plan, Managed Account® monitors your investments and provides the following:

  • Rebalances your current investments and redirects new contributions to match your target mix
  • Rebalances your portfolio quarterly to maintain your mix
  • Adjusts your mix to become more conservative as you near retirement
  • Provides Your Retirement Forecast, a real-time gauge of how you're doing as you pursue your goal

Your account will be charged a fee at an annual rate of 0.25% of your account balance (that's $2.08 per $10,000 when applied monthly) in Managed Advice®. Please refer to the Managed Advice® Service Agreement for more information, as well as these important details about the Managed Advice® service offered by ABC Organization.

There are fees associated with receiving advice through the Managed Advice® service offered by ABC Organization Retirement Advisors. You will have an opportunity to learn more about the service or make other investment choices on the following page. For more information, please see: